3 Plan Option 7 1 Plan Option 5 Plan Option 6 (First Dollar Plan Option 8 Plan Option 9 Plan Option 10* Plan$500/$1000) (HSA Compatible) (HSA Compatible) In Network Out of In Network Out of In Network Out of In Network Out of In Network Out of In Network Out of Network** Network** Network** Network** Network** Network** 80% 60% 70% 50% 80% 60% 100% 80% 80% 60% 80% 60% $1,000/ $2,000/ $1,500/ $2,000/ $1,500/ $3,000/ $2,250/ $4,000/ $2,500/ $5,000/ $2,500/ $5,000/ $2,000 $4,000 $3,000 $4,000 $3,000 $6,000 $4,500 $8,000 $5,000 $10,000 $5,000 $10,000 (Applies to all (Applies to all (Applies to all (Applies to all services except services) services except services) preventive care preventive care $15 copay) $40 copay) $4,000/ $6,000/ $4,000/ $8,000/ $3,000/ $6,000/ $2,500/ $6,000/ $3,500/ $7,000/ $5,000/ $10,000/ $8,000 $12,000 $8,000 $16,000 $6,000 $12,000 $5,000 $12,000 $7,000 $14,000 $10,000 $20,000 (Includes (Includes (Includes (Includes deductible, deductible, deductible, deductible, Rx and DME) Rx and DME) Rx and DME) Rx and DME) 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after 80% after 60% after $40 copay, 60% after $40 copay, 50% after 80% after 60% after 100% after 80% after 80% after 60% after $25 copay, 60% after deductible ded waived deductible waived waived Limit is 3 visits per cal yr combined in/out of network $40 copay, 60% after $40 copay, 50% after 80% after 60% after 100% after 80% after 80% after 60% after See Office See Office ded waived deductible ded waived deductible Visits Visits 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after Not Covered Not Covered deductible 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after Not Covered Not Covered deductible 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after 80% after 60% after 80% after 80% after 70% after 70% after 80% after 80% after 100% after 100% after 80% after 80% after 80% after 80% after $50 copay, 60% after $50 copay, 50% after 80% after 60% after 100% after 80% after 80% after 60% after 80% after 60% after ded waived deductible ded waived 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after Not Covered Not Covered deductible $2000/cal yr max combined $2000/cal yr max combined $2000/cal yr max combined $2000/cal yr max combined $2000/cal yr max combined in/out of network in/out of network in/out of network in/out of network in/out of network 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after 80% after 60% after 30 day max per cal yr combined 30 day max per cal yr combined 30 day max per cal yr combined 30 day max per cal yr combined 30 day max per cal yr combined 30 day max per cal yr combined in/out of network in/out of network in/out of network in/out of network in/out of network in/out of network 80% after 60% after 70% after 50% after 80% after 60% after 100% after 80% after 80% after 60% after See office visits See office visits deductible 30 visits combined in-network and out-of-network per calendar year maximum Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited $15/$30/$45 70% after $20/$35/$50 70% after $15/$30/$45 70% after After medical After in-network After medical After in-network $20/$35/$50 70% after $15/$30/$45 with $200 $20/$35/$50 $15/$30/$45 deductible medical deductible medical $500 cal yr max $20/$35/$50 Brand with $200 $20/$35/$50 deductible $20/$35/$50 deductible combined in/ $500 cal yr max deductible Brand 70% after 70% after out of-network combined in/ deductible $20/$35/$50 $20/$35/$50 out of-network 2x retail Not covered 2x retail Not covered 2x retail Not covered 2x retail Not covered 2x retail Not covered 2x retail Not covered copay copay copay copay copay copay Included Included Included Included Included Included Included Included Included Included Included Included *This plan provides limited benefits only and does not constitute a comprehensive health insurance plan. As such, it may not cover all the expenses associated with your health care needs. **Payment for Out-of-Network facility care is determined based upon Aetna s allowable fee schedule. Payment for other Out-of-Network care is determined based upon the negotiated charge that would apply if such services or supplies were received from an In-Network provider. These charges are referred to in your Plan Document as recognized charges. 1 The first dollar fund provides first dollar benefits of $500 for an individual and $1000 for a family. The benefit does not apply towards the deductible, the out-of-pocket maximum or prescription drugs. Some benefits are subject to limitations or visit maximums. 3 NOTE: For a summary list of Limitations and Exclusions, refer to pages 6-7.

6 These plans do not cover all health care expenses and includes exclusions and limitations. Employers and members should refer to their plan documents to determine which health care services are covered and to what extent. Medical Limitations and Exclusions Aetna Choice Plan PPO Services and supplies that are generally not covered include, but are not limited to: All medical or hospital services not specifically covered in, or which are limited or excluded in the plan documents; Charges related to any eye surgery mainly to correct refractive errors; Cosmetic surgery, including breast reduction; Custodial care; Dental care and X-rays; Donor egg retrieval; Experimental and investigational procedures; Hearing aids; Immunizations for travel or work; Infertility services, including, but not limited to, artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI and other related services, unless specifically listed as covered in your plan documents; Medical expenses for a pre-existing condition are not covered (full postponement rule) for the first 270 days after the insured s enrollment date. Lookback period for determining a pre-existing condition (conditions for which diagnosis, care or treatment was recommended or received) is 180 days prior to the enrollment date. The preexisting condition limitation period will be reduced by the number of days of prior creditable coverage the member has as of the enrollment date. Nonmedically necessary services or supplies; Orthotics, unless necessary to treat complications of diabetes; Over-the-counter medications and supplies; Reversal of sterilization; Services for the treatment of sexual dysfunction or inadequacies, including therapy, supplies, or counseling; and Special duty nursing. 6

7 Aetna HMO Plan, Aetna Choice Open Access POS Plan Services and supplies that are generally not covered include, but are not limited to: All medical and hospital services not specifically covered in, or which are limited or excluded by your plan documents, including costs of services before coverage begins and after coverage terminates. Cosmetic surgery. Custodial care. Dental care and dental x-rays. Donor egg retrieval. Experimental and investigational procedures, (except for coverage for medically necessary routine patient care costs for Members participating in a cancer clinical trial). Hearing aids. Home births. Immunizations for travel or work. Implantable drugs and certain injectable drugs including injectable infertility drugs. Infertility services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI and other related services unless specifically listed as covered in your plan documents. Medical expenses for a pre-existing condition are not covered (full postponement rule) for the first 270 days after the member s enrollment date. Lookback period for determining a pre-existing condition (conditions for which diagnosis, care or treatment was recommended or received) is 180 days prior to the enrollment date. The preexisting condition limitation period will be reduced by the number of days of prior creditable coverage the member has as of the enrollment date. This exclusion only applies to the out-ofnetwork benefits of the Aetna Open Access POS Plan. Nonmedically necessary services or supplies. Orthotics, unless necessary to treat complications of diabetes. Over-the-counter medications and supplies. Radial keratotomy or related procedures. Reversal of sterilization. Services for the treatment of sexual dysfunction or inadequacies including therapy, supplies or counseling. Special duty nursing. Therapy or rehabilitation other than those listed as covered in the plan documents. 7

8 For more information about any of these plans, or to receive a quote, please contact your broker or Business Solutions at Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies. The Aetna companies that offer, underwrite, or administer benefit coverage include Aetna Health Inc., Aetna Health of Illinois Inc., Corporate Health Insurance Company, and Aetna Life Insurance Company. This material is for informational purposes only and is neither an offer of coverage nor medical advice. It contains only a partial, general description of plan benefits or programs and does not constitute a contract. Aetna arranges for the provision of healthcare/dental services. However, Aetna itself is not a provider of healthcare/dental services and therefore cannot guarantee any results or outcomes. Consult the plan documents (Schedule of Benefits, Certificate of Coverage, Evidence of Coverage, Group Agreement, Group Insurance Certificate, Booklet, Booklet-certificate, Group Policy) to determine governing contractual provisions, including procedures, exclusions and limitations relating to the plan. The availability of a plan or program may vary by geographic service area. With the exception of Aetna Rx Home Delivery Service, participating providers and vendors are independent contractors in private practice and are neither employees nor agents of Aetna or its affiliates. Aetna Rx Home Delivery, LLC, is a subsidiary of Aetna Inc. The availability of any particular provider cannot be guaranteed, and provider network composition is subject to change. Notice of the change shall be provided. in accordance with applicable state law. Certain primary care providers are affiliated with integrated delivery systems or other provider groups (such as independent practice associations and physician-hospital organizations), and members who select these providers will generally be referred to specialists and hospitals within those systems or groups. However, if a system or group does not include a provider qualified to meet member s medical needs, member may request to have services provided by non-system or non-group providers. Member s request will be reviewed and will require prior authorization from the system or group and/or Aetna to be a covered benefit. Some benefits are subject to limitations or visit maximums. Members or Providers may be required to precertify, or obtain prior approval of coverage for certain services such as non-emergency inpatient hospital care. If your plan covers outpatient prescription drugs, your plan may include a drug formulary (preferred drug list). A formulary is a list of prescription drugs generally covered under your prescription drug benefits plan on a preferred basis subject to applicable limitations and conditions. Your pharmacy benefit is generally not limited to the drugs listed on the formulary. The medications listed on the formulary are subject to change in accordance with applicable state law. For information regarding how medications are reviewed and selected for the formulary, formulary information, and information about other pharmacy programs such as precertification and step-therapy, please refer to Aetna s website at or the Aetna Medication Formulary Guide. Many drugs, including many of those listed on the formulary, are subject to rebate arrangements between Aetna and the manufacturer of the drugs. Rebates received by Aetna from drug manufacturers are not reflected in the cost paid by a member for a prescription drug. In addition, in circumstances where your prescription plan utilizes copayments or coinsurance calculated on a percentage basis or a deductible, use of formulary drugs may not necessarily result in lower costs for the member. Members should consult with their treating physicians regarding questions about specific medications. Refer to your plan documents or contact Member Services for information regarding the terms and limitations of coverage. Aetna Rx Home Delivery refers to Aetna Rx Home Delivery, LLC, a subsidiary of Aetna Inc., that is a licensed pharmacy providing mail-order pharmacy services. Aetna s negotiated charge with Aetna Rx Home Delivery may be higher than Aetna Rx Home Delivery s cost of purchasing drugs and providing mail-order pharmacy services. While this material is believed to be accurate as of the print date, it is subject to change IN (10/04) 2004 Aetna Inc.

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